Douglas Wilkerson

Private Credit Default Rate Hit a Record 6.3% — What Homebuyers Should Actually Know

Douglas Wilkerson

Published on: 29/09/2026

Private credit defaults hit a record 6.3% in August 2026, with redemption gates spreading across the industry. Here's what that means for homebuyers — and why your mortgage is a different animal. By Douglas Wilkerson, Mortgage Broker.

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Housing Market Frozen, Not Broken: The Real Story Behind 7% Mortgage Rates

Douglas Wilkerson

Published on: 29/09/2026

Mortgage rates above 7% have frozen home sales — but not broken them. With $34.1 trillion in equity, fixed-rate mortgages, and delinquencies near historic lows, this is a volume problem, not a credit problem.

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What Does Your Credit Score Cost You? The 2026 Score-Tier Price Map for Homebuyers

Douglas Wilkerson

Published on: 29/09/2026

What does your credit score cost on a mortgage? A 640-score buyer pays about $4,600 more upfront and $250/month more in PMI than a 780-score buyer on the same $300K home. The 2026 score-tier price map — plus FHA/VA flat pricing and VantageScore 4.0.